BT Money Hacks

From 2025, CPF members above age 55 will no longer keep funds in their Special Accounts (SA). Balances in the SA will be transferred to the Ordinary Account (OA), reducing the interest rate from at least 4 per cent in SA to 2.5 per cent in OA. What does this mean for your retirement? Howie Lim speaks to Christopher Tan, CEO of Providend to find out. Synopsis: Every Monday, The Business Times break...

In today's fast-paced financial world, staying updated with the latest economic trends and rate cuts can feel like a full-time job. Howie Lim guides you through the maze of financial information and strategies this week with Vuk Vukovic, CEO and CIO of Oraclum Capital. Synopsis: Every Monday, The Business Times breaks down useful financial tips. --- Send us your questions, thoughts, story ideas, a...

Asian fixed income shows strong performance and potential, despite global market fluctuations and economic uncertainties. It might be time to get onboard but how? Howie Lim finds out from Navin Saigal, head of fundamental fixed income, Asia Pacific at BlackRock. Synopsis: Every Monday, The Business Times breaks down useful financial tips. Highlights: 02:14 Asian market outperformance 03:54 Uncorre...

With the cost of living continuing to rise, investors are eager to discover ways to elevate their financial standing. Correspondent Howie Lim gets some actionable strategies for enhancing your income from Candy Valentino, author and financial analyst. Synopsis: Every Monday, The Business Times breaks down useful financial tips. Highlights: 01:31 Diversifying your income streams 04:06 Capitalising...

An intriguing aspect of personal financial management is the strategic accumulation of air miles. This can transform your travel experience and save you significant amounts of money. Correspondent Howie Lim speaks to the experts to find out you can ‘fly free’. Synopsis: Every Monday, The Business Times breaks down useful financial tips. Highlights: 00:59 Strategies to hack air miles 02:49 The sear...

What is the current state of digital assets and crypto? What are the dynamics at play and now that institutional investors seem to be excited about the space again, what would this mean for retail investors? Howie Lim speaks to Kunal Chowdhry, CEO of Apollo Singapore Investments for more insights. Synopsis: Every Monday, The Business Times breaks down useful financial tips. Highlights: 02:04 Rise...

Analysts are saying that tech stocks will move higher to end the year and through 2025 but others have turned bearish. So what do we do? And is there a way to navigate the space safely? Howie Lim speaks to Dom Rizzo, portfolio manager, global technology equity strategy at T. Rowe Price to find out. Synopsis: Every Monday, The Business Times breaks down useful financial tips. Highlights: 00:56 What...

While the debate continues as to whether the Fed’s jumbo rate cut was anticipated, we’re more concerned as to what will happen to our investments and money. Experts and market watchers weigh in with tips on where to put our money now.  Synopsis: Every Monday, The Business Times breaks down useful financial tips. Highlights: 01:49 Why understanding Fed decisions is important 04:29 What the divided...

Returns on whisky cask investments can be attractive over time but investing through cask ownership has become a minefield, breeding scammers out to profit from the relatively opaque market. Good thing Howie Lim speaks to experts to help us navigate. Synopsis: Every Monday, Howie Lim gets experts to break down useful financial tips. Highlights of the conversation: 02:37 Why whisky cask and not whi...

More young people crave independence and are moving out of their parents’ before getting married? How do you know when it’s time and if you have the means to do so? Howie Lim speaks to Tim Phillips from timtalksmoney.com and Seth Wee from Providend to find out when and how they did it. Synopsis: Every Monday, Howie Lim gets experts to break down useful financial tips. Highlights of the conversatio...

Investors fled from risk assets when the Asian stock sell-off deepened in August. It was speculated that interest rates would need to be cut rapidly to stimulate growth. Was this a one-off or a signal of things to come? Howie Lim finds out from Paul Chew head of research, Phillip Securities Research. Synopsis: Every Monday, Howie Lim gets experts to break down useful financial tips. Highlights of...

Companies should start placing a higher priority on both employee mental and financial well-being because the better your workers are, the better your company will be as well. How true is that and when did it become an employer’s responsibility to care for its employees’ finances? Howie Lim speaks to So Sin Ting from Endowus, Theodoric Chew from Intellect and Paul Gordon from Aon to find out. Syno...

With the US economy giving everyone whiplash in recent times and the Fed poised to cut interest rates, what does this all mean for your investments? Howie Lim speaks to Charu Chanana, head of FX Strategy and global market strategist at Saxo to find out. Synopsis: Every Monday, Howie Lim gets experts to break down useful financial tips. Highlights of the conversation:  01:43 How the US economy is d...

After first gaining popularity in the early 1990s, investment-linked insurance policies have been a mainstay in the offerings of insurers. But how much has changed since then and do they have a place in your portfolio today? Howie Lim talks to CEO of Providend Christopher Tan and chief agency officer of Income Insurance Tan Chuan How to find out. Synopsis: Every Monday, Howie Lim gets experts to b...

Debt can be scary but you’re not alone. There is help available and paths you can take. Howie Lim finds out what they are from Tan Huey Min of Credit Counselling Singapore and Seth Wee of Providend. Synopsis: Every Monday, The Business Times breaks down useful financial tips. Highlights of the conversation:  03:48 Cheapest ways to get out of debt 05:14 Are you ready to seek help? 08:50 Things you...

Singapore as a global financial hub attracts expatriates from around the world. This drives prices and costs up. Additionally, Singapore has been crowned the costliest city for expats by several surveys. How is everyone dealing with this accolade and those pesky costs? Howie Lim finds out from Christopher Forbes from CMC Invest and Bryan Tay from Lendela. Synopsis: Every Monday. The Business Times...

What is ‘money dysmorphia’, ‘soft life’ and ‘loud budgeting’? Your guess is as good as any! Howie Lim finds out from Christopher Forbes of CMC Invest and Seth Wee from Providend whether these Gen-Z money trends are worth looking into. Synopsis: Every Monday. The Business Times breaks down useful personal financial tips with expert guests. Highlights of the conversation:  00:58 Gen-Z money trends a...

The Supplementary Retirement Scheme or SRS is a tax efficient account but heavily underutilised in Singapore. How can we best utilise this account to help pad up our retirement savings and what should we be investing in? Howie Lim speaks to Hugh Chung from Endowus and Jermyn Wong from State Street Global Advisors to find out. Synopsis: Every Monday. The Business Times breaks down useful personal f...

Arguably, the world’s largest democracy’s election was a one-man show: Prime Minister Narendra Modi and his BJP. But now that that’s done and dusted, how did the economy and the markets react to the results and where are the investment opportunities? Howie Lim speaks to Radhika Rao, senior economist & executive director, DBS Bank for more insights. Synopsis: Every Monday, The Business Times br...

S-Reits are supposed to be the net outperformers for 2024. But that doesn’t seem to be the case so far. Is it looking on the up and up for them for 2H 2024, though? Howie Lim finds out. Synopsis: Every Monday, The Business Times breaks down useful financial tips. Highlights of the conversation:  00:58 Analysts' perspectives on current S-Reits’ performance 03:25 Diversification in S-Reits 05:25 Ben...

Holiday season is upon us but if you haven’t booked or planned, have no fear. There are still some ways you can save money without breaking the bank on those peak-period-marked-up prices.  Synopsis: Every first, third and fifth Monday of the month, The Business Times breaks down useful financial tips. Highlights:  01:07 Top travel hack trend for 2024 04:48 Tips for cheaper accommodation 08:50 Tips...

What makes Islamic investing different from conventional investing and can people not of the faith get in on the action? Also, what is the outlook for Islamic investing and the trends to keep an eye on?  Synopsis: Every first, third and fifth Monday of the month, The Business Times breaks down useful financial tips. Highlights of the conversation:  02:03 Difference in Islamic investing 04:28 Compe...

How much do our parents' money habits shape our own financial behaviour? Turns out, quite a lot. In this episode, host Lee Kim Siang sits down with Audrey Tan, co-founder of PlayMoolah, a financial education company, to talk about how the money narratives we inherit hold us back from achieving our financial goals. Plus, we hear from Edwin Ooi, senior financial advisory specialist at MoneySmart, ab...

Ready to dive into the exhilarating world of forex, but not sure where to start? In this episode, Lee Kim Siang speaks to Charu Chanana, head of FX strategy at Saxo to answer all your questions, from understanding currency pairs to managing risk effectively.  Synopsis: Every first, third and fifth Monday of the month, The Business Times breaks down useful financial tips. Highlights of the conversa...

Japan’s stock market has made a big comeback this year. Could the country finally be leaving the lost decades behind? Lee Kim Siang speaks to Naomi Fink, global strategist at Nikko Asset Management, to break it all down. Synopsis: Every first, third and fifth Monday of the month, The Business Times breaks down useful financial tips. Highlights of the conversation:  00:51 The driving forces behind...